First Financial Bank Mortgage Rates, Fees & Info

Cincinnati, OH

LEI: MV4O55SH8HO6KQSGW013

Tax ID: 31-0308605

5 stars - out of 5 stars, based on 96 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

First Financial Bank is a small bank specializing in Home Purchase and Refi loans. First Financial Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Cincinnati, Columbus, Indianapolis, Louisville/jefferson County, and Chicago among others. First Financial Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. First Financial Bank is typically a low fee lendor.


Originations

9,139

Origination Dollar Volume (All Markets)

$1,625,595,000

Employee count

1,994 Show all (10) awards

Relative Rate

First Financial Bank's average 30 year fixed rate mortgage of loans were 2.92%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.23%.

Relative Fees

First Financial Bank's average total fees for a 30 year fixed rate mortgage are $2,956.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2,473 $370,125,000 $149,666 $2,665 2.79%
COLUMBUS, OH (FHA|USDA|VA) 1,161 $308,175,000 $265,439 $3,401 2.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 872 $165,180,000 $189,427 $2,385 2.81%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1,094 $159,250,000 $145,567 $2,240 2.39%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 498 $84,090,000 $168,855 $2,531 2.81%
Outside of Metro Areas 616 $72,270,000 $117,321 $2,376 2.86%
COLUMBUS, IN (FHA|USDA|VA) 361 $62,255,000 $172,452 $2,467 2.91%
DAYTON-KETTERING, OH (FHA|USDA|VA) 314 $58,780,000 $187,197 $3,099 2.89%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 25 $44,675,000 $1,787,000 $4,653 3.18%
Madison, IN (FHA|USDA|VA) 270 $29,030,000 $107,519 $2,312 2.96%
Richmond, IN (FHA|USDA|VA) 244 $23,080,000 $94,590 $2,243 2.80%
BLOOMINGTON, IN (FHA|USDA|VA) 65 $19,235,000 $295,923 $2,929 2.69%
Richmond-Berea, KY (FHA|USDA|VA) 5 $17,865,000 $3,573,000 $4,340 3.04%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $16,065,000 $5,355,000 $0 3.03%
Greensburg, IN (FHA|USDA|VA) 122 $14,960,000 $122,623 $1,804 2.85%
AKRON, OH (FHA|USDA|VA) 9 $11,675,000 $1,297,222 $4,080 2.87%
Seymour, IN (FHA|USDA|VA) 72 $10,450,000 $145,139 $2,384 2.79%
Frankfort, KY (FHA|USDA|VA) 66 $10,000,000 $151,515 $2,997 2.99%
North Vernon, IN (FHA|USDA|VA) 89 $9,145,000 $102,753 $2,155 2.64%
Connersville, IN (FHA|USDA|VA) 92 $8,750,000 $95,109 $2,232 2.89%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 74 $8,270,000 $111,757 $1,818 3.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $7,340,000 $917,500 $7,146 3.22%
Celina, OH (FHA|USDA|VA) 46 $6,400,000 $139,130 $2,988 2.69%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $5,545,000 $1,109,000 $7,441 3.25%
Coldwater, MI (FHA|USDA|VA) 1 $5,405,000 $5,405,000 $0 3.25%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 16 $5,330,000 $333,125 $4,279 2.95%
KNOXVILLE, TN (FHA|USDA|VA) 8 $4,740,000 $592,500 $4,451 3.14%
Van Wert, OH (FHA|USDA|VA) 43 $4,375,000 $101,744 $3,017 3.01%
KANKAKEE, IL (FHA|USDA|VA) 40 $3,730,000 $93,250 $2,248 3.12%
New Castle, IN (FHA|USDA|VA) 41 $3,345,000 $81,585 $2,089 3.20%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $3,195,000 $456,429 $5,225 3.09%
TOLEDO, OH (FHA|USDA|VA) 8 $2,900,000 $362,500 $3,145 3.03%
TERRE HAUTE, IN (FHA|USDA|VA) 17 $2,715,000 $159,706 $2,538 3.33%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $2,675,000 $382,143 $5,359 2.98%
Scottsburg, IN (FHA|USDA|VA) 18 $2,470,000 $137,222 $2,097 3.26%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 16 $2,450,000 $153,125 $2,647 2.72%
Wilmington, OH (FHA|USDA|VA) 22 $2,450,000 $111,364 $2,642 2.97%
Crawfordsville, IN (FHA|USDA|VA) 28 $2,250,000 $80,357 $1,069 2.90%
Warsaw, IN (FHA|USDA|VA) 4 $2,160,000 $540,000 $3,352 3.00%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 4 $2,040,000 $510,000 $4,786 3.25%
Wapakoneta, OH (FHA|USDA|VA) 17 $1,975,000 $116,176 $1,848 2.95%
Mount Vernon, OH (FHA|USDA|VA) 4 $1,930,000 $482,500 $4,116 3.34%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $1,855,000 $371,000 $6,432 3.10%
Fremont, OH (FHA|USDA|VA) 19 $1,735,000 $91,316 $2,448 3.10%
Bellefontaine, OH (FHA|USDA|VA) 8 $1,670,000 $208,750 $3,045 2.95%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $1,575,000 $525,000 $4,356 2.92%
Bedford, IN (FHA|USDA|VA) 4 $1,560,000 $390,000 $5,634 2.31%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $1,555,000 $518,333 $6,422 3.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,445,000 $289,000 $3,834 2.93%
Plymouth, IN (FHA|USDA|VA) 2 $1,270,000 $635,000 $0 2.47%
Greenville, OH (FHA|USDA|VA) 8 $1,140,000 $142,500 $3,342 2.56%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $1,055,000 $351,667 $4,225 3.17%
Decatur, IN (FHA|USDA|VA) 11 $1,035,000 $94,091 $2,181 2.77%
ROANOKE, VA (FHA|USDA|VA) 1 $975,000 $975,000 $8,701 3.38%
MUNCIE, IN (FHA|USDA|VA) 10 $970,000 $97,000 $1,792 3.24%
Angola, IN (FHA|USDA|VA) 1 $855,000 $855,000 $5,593 4.00%
Key West, FL (FHA|USDA|VA) 2 $840,000 $420,000 $3,192 3.67%
Chillicothe, OH (FHA|USDA|VA) 2 $830,000 $415,000 $4,479 3.31%
Norwalk, OH (FHA|USDA|VA) 1 $805,000 $805,000 $4,362 3.50%
Bardstown, KY (FHA|USDA|VA) 1 $805,000 $805,000 $5,996 3.38%
SPRINGFIELD, OH (FHA|USDA|VA) 5 $795,000 $159,000 $4,119 2.92%
Glasgow, KY (FHA|USDA|VA) 2 $790,000 $395,000 $5,152 3.36%
Frankfort, IN (FHA|USDA|VA) 10 $750,000 $75,000 $1,588 3.12%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $740,000 $185,000 $3,339 2.75%
Danville, KY (FHA|USDA|VA) 6 $720,000 $120,000 $3,022 2.60%
Marion, OH (FHA|USDA|VA) 3 $685,000 $228,333 $5,153 3.47%
Campbellsville, KY (FHA|USDA|VA) 6 $670,000 $111,667 $1,419 3.08%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $670,000 $335,000 $2,713 3.00%
Zanesville, OH (FHA|USDA|VA) 4 $660,000 $165,000 $2,795 3.72%
Wabash, IN (FHA|USDA|VA) 11 $645,000 $58,636 $1,824 2.85%
DANVILLE, IL (FHA|USDA|VA) 11 $635,000 $57,727 $2,550 2.61%
OWENSBORO, KY (FHA|USDA|VA) 2 $610,000 $305,000 $3,142 2.56%
LIMA, OH (FHA|USDA|VA) 7 $595,000 $85,000 $2,382 2.19%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $590,000 $295,000 $2,789 3.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $565,000 $565,000 $4,218 2.88%
BRUNSWICK, GA (FHA|USDA|VA) 1 $525,000 $525,000 $4,620 3.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $520,000 $260,000 $0 3.75%
Athens, OH (FHA|USDA|VA) 2 $520,000 $260,000 $5,471 3.38%
Marietta, OH (FHA|USDA|VA) 2 $510,000 $255,000 $2,113 2.43%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $505,000 $505,000 $0 3.75%
NILES, MI (FHA|USDA|VA) 2 $490,000 $245,000 $3,429 3.06%
Somerset, KY (FHA|USDA|VA) 3 $465,000 $155,000 $3,355 2.29%
FORT WAYNE, IN (FHA|USDA|VA) 4 $420,000 $105,000 $1,783 3.21%
OCALA, FL (FHA|USDA|VA) 1 $415,000 $415,000 $4,224 3.25%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $415,000 $415,000 $3,042 3.25%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $410,000 $205,000 $3,350 3.00%
Adrian, MI (FHA|USDA|VA) 1 $405,000 $405,000 $3,269 2.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $375,000 $375,000 $4,805 3.50%
KOKOMO, IN (FHA|USDA|VA) 4 $370,000 $92,500 $1,865 2.64%
Tiffin, OH (FHA|USDA|VA) 2 $350,000 $175,000 $3,380 3.21%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $335,000 $111,667 $3,576 3.13%
Sidney, OH (FHA|USDA|VA) 4 $330,000 $82,500 $1,739 2.48%
HARRISONBURG, VA (FHA|USDA|VA) 1 $325,000 $325,000 $3,286 2.25%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $320,000 $160,000 $1,919 3.56%
London, KY (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.50%
Portsmouth, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,724 3.38%
Findlay, OH (FHA|USDA|VA) 1 $285,000 $285,000 $3,906 3.25%
Wauchula, FL (FHA|USDA|VA) 1 $285,000 $285,000 $4,618 3.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $285,000 $285,000 $2,453 2.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $285,000 $285,000 $4,235 3.25%
MANSFIELD, OH (FHA|USDA|VA) 3 $275,000 $91,667 $1,764 2.09%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $270,000 $135,000 $2,111 2.88%
Big Rapids, MI (FHA|USDA|VA) 1 $265,000 $265,000 $6,822 3.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 1.99%
ASHEVILLE, NC (FHA|USDA|VA) 1 $245,000 $245,000 $4,578 3.13%
Urbana, OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,575 3.25%
MANHATTAN, KS (FHA|USDA|VA) 1 $245,000 $245,000 $2,762 3.38%
Sevierville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $3,575 3.25%
Wooster, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,313 3.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $190,000 $95,000 $3,240 2.94%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $180,000 $90,000 $1,362 1.51%
THE VILLAGES, FL (FHA|USDA|VA) 1 $175,000 $175,000 $1,717 2.25%
Coshocton, OH (FHA|USDA|VA) 4 $170,000 $42,500 $3,291 4.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $165,000 $165,000 $3,779 3.50%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,464 3.38%
Peru, IN (FHA|USDA|VA) 2 $150,000 $75,000 $907 2.37%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,575 2.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $135,000 $135,000 $2,719 2.38%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,515 2.63%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $135,000 $135,000 $4,891 4.13%
Marion, IN (FHA|USDA|VA) 3 $125,000 $41,667 $1,288 2.34%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,387 3.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,918 3.50%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $105,000 $105,000 $0 1.99%
Pontiac, IL (FHA|USDA|VA) 1 $95,000 $95,000 $5,444 3.00%
Washington Court House, OH (FHA|USDA|VA) 2 $90,000 $45,000 $808 1.51%
PITTSBURGH, PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,555 3.25%
Ashland, OH (FHA|USDA|VA) 1 $75,000 $75,000 $2,842 3.88%
Logansport, IN (FHA|USDA|VA) 1 $75,000 $75,000 $1,139 3.50%
Crossville, TN (FHA|USDA|VA) 1 $75,000 $75,000 $2,928 2.50%
Bluffton, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 1.99%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $35,000 $35,000 $2,967 2.63%

First Financial Bank's top markets include Cincinnati, Columbus, Indianapolis, Louisville/jefferson County, and Chicago among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 8,895 $1,579,935,000 $177,621 $2,517 2.79%
FHA 160 $27,400,000 $171,250 $5,972 2.99%
VA 47 $12,645,000 $269,043 $6,533 2.75%
USDA 37 $5,615,000 $151,757 $4,133 2.77%

For the 2021 period, First Financial Bank's most frequently originated loan type of loans were Conventional, with 8,895 originations. Their 2nd most popular type is FHA, with 160 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 2,880 $650,470,000 $225,858 $2,831 2.76%
Refi 2,857 $500,835,000 $175,301 $2,199 2.80%
Cash Out Refi 1,187 $240,655,000 $202,742 $2,895 3.02%
Other 1,154 $106,990,000 $92,712 $55 2.67%
Home Improvement 1,061 $126,645,000 $119,364 $3,610 2.75%

For the 2021, First Financial Bank's most frequently cited loan purpose of loans were Home Purchase, with 2,880 originations. The 2nd most popular reason of loans were Refi, with 2,857 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 4,040 $860,880,000 $213,089 $2,956 2.92%
Other 3,278 $383,260,000 $116,919 $1,080 2.56%
15 Year 1,046 $166,730,000 $159,398 $2,304 2.65%
20 Year 400 $62,640,000 $156,600 $2,182 3.39%
10 Year 310 $37,000,000 $119,355 $1,317 3.07%
5 Year 46 $76,770,000 $1,668,913 $27 3.96%
1 Year 8 $5,330,000 $666,250 $0 4.34%
3 Year 7 $31,335,000 $4,476,429 $0 4.31%
30+ year 4 $1,650,000 $412,500 $5,884 3.63%

For the 2021, First Financial Bank's most frequently cited loan length of loans were 30 Year, with 4,040 originations. The 2nd most popular length of loans were Other, with 3,278 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 3,166 $483,530,000 $152,726
$1k-2k 2,308 $502,100,000 $217,548
$2k-3k 271 $108,045,000 $398,690
$3k-4k 116 $29,740,000 $256,379
$5k+ 28 $9,070,000 $323,929

$2,956 of loans were First Financial Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 3,166 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
<2.5% 3,620 $416,470,000 $115,047
3-4% 2,912 $679,240,000 $233,255
2.5-3% 1,860 $460,070,000 $247,349
4-5% 542 $61,880,000 $114,170
5-6% 143 $6,345,000 $44,371
6-7% 39 $1,175,000 $30,128
7-8% 21 $385,000 $18,333
Over 8% 2 $30,000 $15,000

During 2021, First Financial Bank's average interest rate of loans were 2.92%, while their most frequently originated rate bucket of loans were <2.5%, with 3,620 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 3,525 $182,605,000 $51,803 $1,354 2.56%
$100k-200k 3,246 $462,080,000 $142,354 $2,692 2.92%
$200k-400k 1,798 $483,830,000 $269,093 $3,396 2.94%
$400k-600k 356 $169,380,000 $475,787 $4,097 2.94%
$600k-1MM 139 $105,095,000 $756,079 $4,920 3.25%
$1MM+ 75 $222,605,000 $2,968,067 $7,370 3.20%

2021 saw First Financial Bank place emphasis on $100,000 or less loans with 3,525 originations, totaling $182,605,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 2,222 $207,040,000 $93,177 $2,066 2.64%
$50k-75k 1,866 $232,350,000 $124,518 $2,546 2.85%
$100k-150k 1,658 $274,260,000 $165,416 $2,851 2.84%
$75k-100k 1,329 $190,715,000 $143,503 $2,825 2.91%
$150k-250k 1,206 $284,710,000 $236,078 $3,264 2.77%
$250k+ 682 $277,410,000 $406,760 $4,314 2.80%

First Financial Bank lent most frequently to those with incomes in the $50k or less range, with 2,222 originations. The second most popular income band? $50k-75k, with 1,866 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,357 $373,035,000 $158,267 $2,597 2.83%
30-36% 1,697 $272,465,000 $160,557 $2,650 2.82%
<20% 1,132 $169,850,000 $150,044 $2,295 2.79%
39% 428 $67,850,000 $158,528 $2,845 2.71%
42% 388 $66,960,000 $172,577 $2,695 2.71%
38% 350 $54,300,000 $155,143 $2,571 2.74%
40% 342 $61,830,000 $180,789 $2,771 2.77%
43% 340 $48,380,000 $142,294 $2,433 2.59%
36% 325 $54,785,000 $168,569 $2,619 2.88%
37% 324 $52,720,000 $162,716 $2,817 2.85%
41% 314 $63,410,000 $201,943 $2,710 2.91%
44% 287 $46,075,000 $160,540 $2,729 2.61%
47% 191 $32,565,000 $170,497 $3,313 2.79%
45% 189 $31,035,000 $164,206 $2,935 2.61%
46% 137 $25,005,000 $182,518 $3,375 2.87%
48% 100 $17,100,000 $171,000 $3,093 2.81%
49% 95 $19,985,000 $210,368 $3,707 2.82%
50-60% 71 $11,955,000 $168,380 $2,449 2.63%
>60% 13 $2,875,000 $221,154 $1,572 2.16%

First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 2,357 originations. The next most common DTI ratio? 30-36%, with 1,697 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 7,710 $1,237,070,000 $160,450 $2,607 2.77%
Not applicable 56 $150,030,000 $2,679,107 $0 3.87%
Not provided 721 $118,255,000 $164,015 $2,786 2.79%
Black 433 $68,085,000 $157,240 $2,932 3.06%
Asian 177 $43,155,000 $243,814 $3,162 2.95%
Native Hawaiian 10 $3,540,000 $354,000 $4,875 3.34%
American Indian 19 $2,875,000 $151,316 $2,692 3.10%
Asian Indian 4 $950,000 $237,500 $0 2.80%
Other Asian 2 $520,000 $260,000 $0 2.57%
Other Pacific Islander 4 $420,000 $105,000 $1,405 4.86%
Chinese 1 $355,000 $355,000 $0 1.99%
Japanese 1 $285,000 $285,000 $3,507 2.38%
Vietnamese 1 $55,000 $55,000 $0 1.99%

Approval Rates

Total approvals of all applications
76.61%

First Financial Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
88.26%

First Financial Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 9,139 $1,625,595,000 $177,874

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
9,139 $1,625,595,000 $177,874

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,608 $194,850,000 $121,175 $1,720 2.60%
40-60% 1,350 $226,200,000 $167,556 $2,304 2.73%
60-80% 2,247 $568,055,000 $252,806 $2,918 3.02%
80-100% 2,288 $564,050,000 $246,525 $3,365 3.21%
Over 100% 13 $4,035,000 $310,385 $12,321 3.17%
Under 20% 1,629 $64,805,000 $39,782 $90 2.13%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
FIRST FINANCIAL BANCORP Other type of mortgage Trouble during payment process 1 25.0%
FIRST FINANCIAL BANCORP Conventional home mortgage Struggling to pay mortgage 1 25.0%
FIRST FINANCIAL BANCORP Conventional home mortgage Trouble during payment process 1 25.0%
FIRST FINANCIAL BANCORP Home equity loan or line of credit (HELOC) Trouble during payment process 1 25.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
First Financial Bank 1015 South Main Street Centerville, OH 45458 Full Service B&M $107,214
First Financial Bank 1 East 4th Street Cincinnati, OH 45202 Full Service B&M $167,981
First Financial Bank 100 East Spring Street New Albany, IN 47150 Full Service B&M $94,190
First Financial Bank 101 East Elm Street Union City, OH 45390 Full Service B&M $56,793
First Financial Bank 101 West Washington Street Hartford City, IN 47348 Full Service B&M $46,733
First Financial Bank 10100 Montgomery Rd Cincinnati, OH 45242 Full Service B&M $100,046
First Financial Bank 1012 Bypass North Lawrenceburg, KY 40342 Full Service B&M $35,538
First Financial Bank 1012 South Adams Street Versailles, IN 47042 Full Service B&M $25,888
First Financial Bank 137 West Buckeye Street Clyde, OH 43410 Full Service B&M $53,232
First Financial Bank 13704 Shelbyville Road Louisville, KY 40245 Full Service B&M $45,144
First Financial Bank 139 S High Street Columbus, OH 43215 Full Service B&M $229,636
First Financial Bank 150 West Wilson Bridge Road Worthington, OH 43085 Full Service B&M $126,561
First Financial Bank 1580 West Main Street Troy, OH 45373 Full Service B&M $42,831
First Financial Bank 166 South Main Street Rockford, OH 45882 Full Service B&M $42,937
First Financial Bank 1734 Midland Trail Shelbyville, KY 40065 Full Service B&M $42,025
First Financial Bank 1850 Marketplace Boulevard Shelbyville, IN 46176 Full Service B&M $185,641
First Financial Bank 1865 Parsons Avenue Columbus, OH 43207 Full Service B&M $5,391
First Financial Bank 1901 North Lincoln Street Greensburg, IN 47240 Full Service B&M $62,801
First Financial Bank 1942 Havermann Road Celina, OH 45822 Full Service B&M $193,736
First Financial Bank 2000 West Court Street Kankakee, IL 60901 Full Service B&M $68,760
First Financial Bank 201 N Main Street Paulding, OH 45879 Full Service B&M $53,995
First Financial Bank 24004 Stateline Road Lawrenceburg, IN 47025 Full Service B&M $49,370
First Financial Bank 255 East Fifth Street Cincinnati, OH 45202 Full Service B&M $875,509
First Financial Bank 260 W Central Ave Springboro, OH 45066 Full Service B&M $63,422
First Financial Bank 2611 Highway Avenue Highland, IN 46322 Full Service B&M $198,450
First Financial Bank 2652 North Bend Road Hebron, KY 41048 Full Service B&M $63,731
First Financial Bank 2680 East Main Street Bexley, OH 43209 Full Service B&M $106,504
First Financial Bank 2705 169th Street Hammond, IN 46323 Full Service B&M $95,776
First Financial Bank 2712 Vine Street Cincinnati, OH 45219 Full Service B&M $18,035
First Financial Bank 2735 Bardstown Road Louisville, KY 40205 Full Service B&M $35,767
First Financial Bank 2737 Central Avenue Columbus, IN 47201 Full Service B&M $228,477
First Financial Bank 2750 45th Street Highland, IN 46322 Full Service B&M $201,907
First Financial Bank 28287 State Route 1 West Harrison, IN 47060 Full Service B&M $32,613
First Financial Bank 3539 East 10th Street Jeffersonville, IN 47130 Full Service B&M $24,122
First Financial Bank 358 West Main Street Rossville, IN 46065 Full Service B&M $50,814
First Financial Bank 3580 Madison Pike Edgewood, KY 41017 Full Service B&M $59,495
First Financial Bank 3610 Grant Line Road New Albany, IN 47150 Full Service B&M $44,749
First Financial Bank 3669 Springdale Road Cincinnati, OH 45251 Full Service B&M $58,324
First Financial Bank 3723 Glenmore Ave Cincinnati, OH 45211 Full Service B&M $87,553
First Financial Bank 3880 West Presidential Way Edinburgh, IN 46124 Full Service B&M $47,802
First Financial Bank 3950 Jonathon Moore Pike Columbus, IN 47201 Full Service B&M $109,222
First Financial Bank 4079 Hamilton Cleves Road Fairfield, OH 45014 Full Service B&M $72,390
First Financial Bank 41 West Eads Pkwy Lawrenceburg, IN 47025 Full Service B&M $52,441
First Financial Bank 411 South Locust Street Oxford, OH 45056 Full Service B&M $136,796
First Financial Bank 417 Jefferson Street Madison, IN 47250 Full Service B&M $64,046
First Financial Bank 585 Anderson Ferry Road Cincinnati, OH 45238 Full Service B&M $40,491
First Financial Bank 5974 W Ridge Road Gary, IN 46408 Full Service B&M $19,300
First Financial Bank 600 South Memorial Drive New Castle, IN 47362 Full Service B&M $77,444
First Financial Bank 6001 Hamilton Avenue Cincinnati, OH 45224 Full Service B&M $5,828
First Financial Bank 6060 South Gilmore Road Fairfield, OH 45014 Full Service B&M $109,458
First Financial Bank 630 Central Avenue Connersville, IN 47331 Full Service B&M $76,148
First Financial Bank 6300 Harrison Avenue Cincinnati, OH 45247 Full Service B&M $49,664
First Financial Bank 6325 Brandt Pike Huber Heights, OH 45424 Full Service B&M $47,638
First Financial Bank 635 South Market Street Troy, OH 45373 Full Service B&M $125,801
First Financial Bank 647 Fife Avenue Wilmington, OH 45177 Full Service B&M $49,567
First Financial Bank 6512 Bardstown Road Louisville, KY 40291 Full Service B&M $29,297
First Financial Bank 6801 Miami Avenue Cincinnati, OH 45243 Full Service B&M $97,215
First Financial Bank 817 East Columbia Street Flora, IN 46929 Full Service B&M $46,910
First Financial Bank 8475 North State Road 9 Hope, IN 47246 Full Service B&M $42,444
First Financial Bank 8601 Landen Drive Maineville, OH 45039 Full Service B&M $103,688
First Financial Bank 8740 South Emerson Avenue Indianapolis, IN 46237 Full Service B&M $77,504
First Financial Bank 9014 State Road 101 Brookville, IN 47012 Full Service B&M $65,955
First Financial Bank 9050 East 56th Street Indianapolis, IN 46216 Full Service B&M $50,113
First Financial Bank 9120 Union Centre Boulevard West Chester, OH 45069 Full Service B&M $250,620
First Financial Bank 926 East Mcmillan Street Cincinnati, OH 45206 Full Service B&M $2,511
First Financial Bank 9306 Taylorsville Road Louisville, KY 40299 Full Service B&M $25,219
First Financial Bank 936 North Main Street Crown Point, IN 46307 Full Service B&M $127,831
First Financial Bank 9554 E Us Highway 36 Avon, IN 46123 Full Service B&M $60,825
First Financial Bank Limaburg Road And Jones Circle Burlington, KY 41005 Full Service B&M $81,872
First Financial Bank 1130 East Tipton Street Seymour, IN 47274 Full Service B&M $117,764
First Financial Bank 1163 South Shannon Street Van Wert, OH 45891 Full Service B&M $115,904
First Financial Bank 117 South Jefferson Street Hartford City, IN 47348 Limited, Drive-thru $0
First Financial Bank 1180 W. 86th Street Indianapolis, IN 46260 Full Service B&M $73,233
First Financial Bank 120 North Monroe Street Williamsport, IN 47993 Full Service B&M $46,013
First Financial Bank 120 W. Second Street Dayton, OH 45402 Full Service B&M $66,133
First Financial Bank 122 West Washington Street Greensburg, IN 47240 Limited, Drive-thru $0
First Financial Bank 125 East State Street Trenton, OH 45067 Full Service B&M $85,087
First Financial Bank 125 Third Street Columbus, IN 47201 Full Service B&M $413,228
First Financial Bank 130 East Spring Street Saint Marys, OH 45885 Full Service B&M $81,202
First Financial Bank 1315 Clifty Drive Madison, IN 47250 Full Service B&M $34,921
First Financial Bank 136 East Harriman Bargersville, IN 46106 Full Service B&M $67,658
First Financial Bank 136 Thornton Road Hanover, IN 47243 Full Service B&M $35,160
First Financial Bank 201 North Broadway Greensburg, IN 47240 Full Service B&M $147,773
First Financial Bank 202 North Harrison Street Alexandria, IN 46001 Full Service B&M $48,173
First Financial Bank 202 North Main Street Delphos, OH 45833 Full Service B&M $67,638
First Financial Bank 202 North Main Street Rushville, IN 46173 Full Service B&M $144,603
First Financial Bank 215 East Main Street Delphi, IN 46923 Full Service B&M $41,230
First Financial Bank 216 South Fourth Street Watseka, IL 60970 Full Service B&M $31,455
First Financial Bank 220 North Wayne Street Fort Recovery, OH 45846 Full Service B&M $116,052
First Financial Bank 220 S. Newton St Goodland, IN 47948 Full Service B&M $61,067
First Financial Bank 221 E Main Street Crawfordsville, IN 47933 Full Service B&M $43,364
First Financial Bank 225 Pictoria Drive Springdale, OH 45246 Full Service Cyber Office $117
First Financial Bank 2253 State Road 54 East Linton, IN 47441 Full Service B&M $66,533
First Financial Bank 230 Main Street Rising Sun, IN 47040 Full Service B&M $44,681
First Financial Bank 2344 South Erie Highway Hamilton, OH 45011 Full Service B&M $94,581
First Financial Bank 2862 Frankfort Avenue Louisville, KY 40206 Full Service B&M $26,148
First Financial Bank 2891 W. Alex Bell Road Dayton, OH 45459 Full Service B&M $29,937
First Financial Bank 293 North Hubbards Lane Louisville, KY 40207 Full Service B&M $131,647
First Financial Bank 300 High Street Hamilton, OH 45011 Full Service B&M $264,807
First Financial Bank 300 North Main Street Middletown, OH 45042 Full Service B&M $134,571
First Financial Bank 3005 Northwest Boulevard Columbus, OH 43221 Full Service B&M $68,010
First Financial Bank 3205 East Third Street Bloomington, IN 47401 Full Service B&M $24,162
First Financial Bank 323 East Main Street Hoopeston, IL 60942 Full Service B&M $29,553
First Financial Bank 330 West National Road Englewood, OH 45322 Full Service B&M $70,218
First Financial Bank 3433 East Main Street Richmond, IN 47374 Full Service B&M $30,632
First Financial Bank 3442 Edwards Road Cincinnati, OH 45208 Full Service B&M $67,223
First Financial Bank 3535 East 96th Street, Suite 135 Indianapolis, IN 46240 Full Service B&M $29,326
First Financial Bank 4391 Far Hills Avenue Kettering, OH 45429 Full Service B&M $106,872
First Financial Bank 450 West Lincoln Highway Schererville, IN 46375 Full Service B&M $248,400
First Financial Bank 4801 N Main St Dayton, OH 45405 Full Service B&M $14,627
First Financial Bank 50 Branigin Road Franklin, IN 46131 Full Service B&M $94,851
First Financial Bank 501 Clifty Drive Madison, IN 47250 Full Service B&M $128,741
First Financial Bank 521 North State Street North Vernon, IN 47265 Full Service B&M $95,007
First Financial Bank 5300 Pleasant Avenue Fairfield, OH 45014 Full Service B&M $195,728
First Financial Bank 536 N College Ave Bloomington, IN 47404 Full Service B&M $429,887
First Financial Bank 5361 Cornerstone North Blvd. Centerville, OH 45440 Full Service B&M $32,680
First Financial Bank 547 High Street Worthington, OH 43085 Full Service B&M $49,873
First Financial Bank 555 East Third Street Hobart, IN 46342 Full Service B&M $85,419
First Financial Bank 5550 Cheviot Road Cincinnati, OH 45239 Full Service B&M $57,510
First Financial Bank 5712 Bridgetown Rd. Cincinnati, OH 45248 Full Service B&M $81,367
First Financial Bank 6945 South Liberty Drive Liberty Township, OH 45044 Full Service B&M $82,036
First Financial Bank 707 Creekview Drive Columbus, IN 47201 Full Service B&M $77,758
First Financial Bank 720 Nw Washington Blvd Hamilton, OH 45013 Full Service B&M $130,285
First Financial Bank 7470 South Mason-Montgomery Road Mason, OH 45040 Full Service B&M $126,751
First Financial Bank 751 City Center Drive Carmel, IN 46032 Full Service B&M $126,163
First Financial Bank 7522 Hamilton Avenue Mount Healthy, OH 45231 Full Service B&M $53,219
First Financial Bank 7615 Reading Rd Cincinnati, OH 45237 Full Service B&M $44,006
First Financial Bank 7637 Beechmont Avenue Cincinnati, OH 45255 Full Service B&M $39,836
First Financial Bank 7700 State Road 64 Georgetown, IN 47122 Full Service B&M $65,289
First Financial Bank 7735 Montgomery Road Cincinnati, OH 45236 Full Service B&M $66,983
First Financial Bank 7795 Tylersville Road West Chester, OH 45069 Full Service B&M $47,132
First Financial Bank 815 South Breiel Boulevard Middletown, OH 45044 Full Service B&M $144,233
First Financial Bank 102 W Main Street Vevay, IN 47043 Full Service B&M $53,868
First Financial Bank 102 West Main Street Hagerstown, IN 47346 Full Service B&M $38,748
First Financial Bank 104 E Link's Way Aurora, IN 47001 Full Service B&M $65,002
First Financial Bank 104 S Chiles St Harrodsburg, KY 40330 Full Service B&M $38,823
First Financial Bank 10425 Harrison Avenue Harrison, OH 45030 Full Service B&M $120,913
First Financial Bank 1053 State Road 229 North Batesville, IN 47006 Full Service B&M $100,347
First Financial Bank 106 North Market Street North Manchester, IN 46962 Full Service B&M $75,363
First Financial Bank 108 South Main Street Monroe, OH 45050 Full Service B&M $57,053
First Financial Bank 11 South Meridian, Ste 101 Indianapolis, IN 46204 Full Service B&M $164,767
First Financial Bank 1101 Columbus Ave Lebanon, OH 45036 Full Service B&M $71,044
First Financial Bank 112 North Meridian Street Portland, IN 47371 Full Service B&M $55,723
First Financial Bank 113 Central Avenue Van Wert, OH 45891 Limited, Drive-thru $0

For 2021, First Financial Bank had 144 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $483,133
Net interest income $467,934
Total noninterest income $166,007
Gross Fiduciary activities income $18,609
Service charges on deposit accounts $31,876
Trading account gains and fees $0
Additional Noninterest Income $115,522
Pre-tax net operating income $270,871
Securities gains (or losses, -) $-506
Income before extraordinary items $227,040
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $227,040
Minority interest net income $10
Net income $227,030
Sale, conversion, retirement of capital stock, net $0
Net operating income $227,465

First Financial Bank's gross interest income from loans was $483,133,000.
First Financial Bank's net interest income from loans was $467,934,000.
First Financial Bank's fee based income from loans was $31,876,000.
First Financial Bank's net income from loans was $227,030,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $15,199
Provision for credit losses $-18,120
Total noninterest expense $381,190
Salaries and employee benefits $236,140
Premises and equipment expense $35,944
Additional noninterest expense $109,106
Applicable income taxes $43,325
Net charge-offs $24,680
Cash dividends $200,000

First Financial Bank's interest expense for loans was $15,199,000.
First Financial Bank's payroll and benefits expense were $236,140,000.
First Financial Bank's property, plant and equipment expenses $35,944,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.4%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $12,926,899
Deposits held in domestic offices $12,926,899
Deposits by Individuals, partnerships, and corporations $10,812,838
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $2,113,808
Deposits by Commercial banks and other depository institutions in U.S. $252
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $3,383,295
Demand deposits $3,194,143
Nontransaction accounts $9,543,603
Money market deposit accounts (MMDAs) $6,853,353
Other savings deposits (excluding MMDAs) $1,359,133
Total time deposits $1,331,117
Total time and savings deposits $9,732,755
Noninterest-bearing deposits $4,240,517
Interest-bearing deposits $8,686,382
Retail deposits $12,434,628
IRAs and Keogh plan accounts $218,132
Brokered deposits $296,645
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $16,244,199
Cash & Balances due from depository institutions $428,734
Interest-bearing balances $234,607
Total securities $4,325,416
Federal funds sold & reverse repurchase $0
Net loans and leases $9,185,789
Loan and leases loss allowance $131,992
Trading account assets $0
Bank premises and fixed assets $248,860
Other real estate owned $98
Goodwill and other intangibles $1,041,310
All other assets $1,013,992

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $16,244,199
Total Liabilities $13,797,911
Total deposits $12,926,899
Interest-bearing deposits $8,686,382
Deposits held in domestic offices $12,926,899
% insured (estimated) $55
Federal funds purchased and repurchase agreements $51,203
Trading liabilities $0
Other borrowed funds $323,968
Subordinated debt $7,500
All other liabilities $488,341

Issued Loan Types

Type Value (in 000's)
Net loans and leases $9,185,789
Loan and leases loss allowance $131,992
Total loans and leases (domestic) $9,317,781
All real estate loans $6,276,165
Real estate loans in domestic offices $6,276,165
Construction and development loans $467,572
Residential 1-4 family construction $64,971
Other construction, all land development and other land $402,601
Loans secured by nonfarm nonresidential properties $3,246,589
Nonfarm nonresidential secured by owner-occupied properties $955,662
Commercial real estate & other non-farm, non-residential $2,290,927
Multifamily residential real estate $734,515
1-4 family residential loans $1,733,046
Farmland loans $94,443
Loans held in foreign offices $0
Farm loans $48,587
Commercial and industrial loans $2,245,888
To non-U.S. addressees $0
Loans to individuals $138,331
Credit card loans $22,551
Related Plans $4,905
Consumer Auto Loans $16,396
Other loans to individuals $94,479
All other loans & leases $608,810
Loans to foreign governments and official institutions $0
Other loans $390,982
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $310,042
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $5,601
Non 1-4 family restructured loans & leases $1,628
Total loans and leases (foreign) $0

First Financial Bank had $9,185,789,000 of loans outstanding in 2021. $6,276,165,000 of loans were in real estate loans. $467,572,000 of loans were in development loans. $734,515,000 of loans were in multifamily mortgage loans. $1,733,046,000 of loans were in 1-4 family mortgage loans. $48,587,000 of loans were in farm loans. $22,551,000 of loans were in credit card loans. $16,396,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 2,148 $480,790 $223,831
Nonfarm, nonresidential loans - <$100k 366 $13,307 $36,358
Nonfarm, nonresidential loans - $100-250k 676 $73,359 $108,519
Nonfarm, nonresidential loans - $250k-1MM 1,106 $394,124 $356,351
Commercial & Industrial, US addressed loans - <$1MM 6,334 $537,198 $84,812
Commercial & Industrial, US addressed loans - <$100k 4,101 $78,205 $19,070
Commercial & Industrial, US addressed loans - $100-250k 1,012 $89,079 $88,023
Commercial & Industrial, US addressed loans - $250k-1MM 1,221 $369,914 $302,960
Farmland loans - <$1MM 344 $39,673 $115,328
Farmland loans - <$100k 95 $2,536 $26,695
Farmland loans - $100-250k 164 $16,190 $98,720
Farmland loans - $250k-1MM 85 $20,947 $246,435
Agriculture operations loans - <$1MM 427 $21,506 $50,365
Agriculture operations loans - <$100k 314 $6,001 $19,111
Agriculture operations loans - $100-250k 63 $5,825 $92,460
Agriculture operations loans - $250k-1MM 50 $9,680 $193,600